Adverse Events Insurance Coverage for Employees and Plan Members

Partners

Americal Medical Risk Company (AMRC) was founded to develop Adverse Events Insurance Coverage, a revolutionary insurance program designed to compensate patients,
improve patient safety and help to lower health care costs. AMRC commissioned leading scholars from Harvard University
and University of Oklahoma to conduct two exhaustive studies about compensating patients for adverse medical events,
identifying protocols to administer this new coverage and to design a database that can be used to improve patient safety.

Aon plc (NYSE: AON) is the leading global provider of risk management, insurance and reinsurance brokerage, and human
resources solutions and outsourcing services. Through its more than 61,000 colleagues worldwide, Aon unites to empower
results for clients in over 120 countries via innovative and effective risk and people solutions and through industry-leading
global resources and technical expertise. Aon has been named repeatedly as the world's best broker, best insurance
intermediary, reinsurance intermediary, captives manager and best employee benefits consulting firm by multiple industry
sources. Visit www.aon.com for more information.

American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than
130 countries and jurisdictions. AIG companies serve commercial, institutional, and individual customers through one of the
most extensive worldwide property-casualty networks of any insurer.

This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions, and
termination provisions. For costs and complete details of the coverage(s) contact Mark Schilling at mschilling@amrinco.com.
The Adverse Events Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., an insurance
subsidiary of American International Group, Inc., with its principal place of business in New York, New York. This program is only
available underwritten by National Union Fire Insurance Company of Pittsburgh, Pa. in the state of Texas for employer/employee groups
only.